MHL Solutions

AWARDED RMA™ BADGE

REF Finance

Risk Management

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Risk Management

The RMA™ is a blockchain credibility certification assessing governance, transparency, security, and results, providing trusted verification for businesses in Web3.

VaaSBlock has not audited this project and cannot vouch for this organization.

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RMA™ Status: ❌ Unverified

Verification of 6 major compliance criteria.

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Technology

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Technology

A collection of public facing information, data collected through partners and our own tools view we present a projects technology in one place for easy verification.

Analysis and testing of tech infrastructures.

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Marketing

Alpha?
Marketing

Top level look at a projects marketing capablities currently in alpha this section will grow to show quickly how a project promotes itself and the effectiveness.

Screening of user base and community feedback.

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Background

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Background

Using multiple public facing sources across the web view a summary of a projects purpose, key achievements and general overview.

Collection of basic administrative documentation.

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Verify my OrganizationLearn more about RMA™ Badges

Risk Management

2025/4/16

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Transparency

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Transparency Score

Algorithmic assessment of a project’s transparency level, using multiple public data points to measure its commitment to compliance, documentation, and clarity in communication.

Transparency Score

3/100
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Peer-comparison Rank

A ranking that positions the organization among its industry peers, evaluating its relative performance based on key compliance, credibility, and transparency indicators.

Peer-comparison Rank

REF Finance vs Banking & DeFi

LOWER 30%percentile
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VaaSBlock Rank

A global ranking that compares the organization against all entities listed on VaaSBlock, reflecting its overall credibility, transparency, and operational performance versus the full Web3 ecosystem.

VaaSBlock Rank

REF Finance vs All Listed Organizations

LOWER 10%percentile

Transparency

Transparency Score

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Transparency Score

Algorithmic assessment of a project’s transparency level, using multiple public data points to measure its commitment to compliance, documentation, and clarity in communication.

3/100

Peer-comparison Rank

REF Finance vs Banking & DeFi

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Peer-comparison Rank

A ranking that positions the organization among its industry peers, evaluating its relative performance based on key compliance, credibility, and transparency indicators.

LOWER 30%percentile

VaaSBlock Rank

REF Finance vs All Listed Organizations

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VaaSBlock Rank

A global ranking that compares the organization against all entities listed on VaaSBlock, reflecting its overall credibility, transparency, and operational performance versus the full Web3 ecosystem.

LOWER 10%percentile

RMA™

✘ Unverified
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How to get an RMA?
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Corporate Governance

The verification of fundamental governance, organizational structure, including verifying the entity’s legal registration and adherence to local laws and regulations.

Corporate
Governance
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Team Proficency

Evaluation of an organization’s personnel, ensuring that crucial team members possess the expertise and dedication necessary to execute current business models and scale effectively.

Team
Proficiency
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Technology & Security

Assessment of the organization’s technological framework, including blockchain integrations (where relevant), system architecture, and overall IT infrastructure.

Technology
& Security
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Revenue Model

Comprehensively evaluation of a company’s income-generating strategies (how do they make or intend to make money), ensuring financial robustness and sustainability.

Revenue
Model
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Results Delivered

The Results Delivered component of the RMA™ audit comprehensively evaluates an organization’s ability to achieve its goals and honor its commitments.

Results
Delivered
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Planning & Transparency

The Planning and Transparency component of the RMA™ audit offers a thorough assessment of how an organization manages its workflow and prepares for unexpected challenges.

Planning &
Transparency

Technology

Website

Domain First Registered – 00/00/00

SSL Status – ✔ Secure

Token

Token Name (REF)

Chain – NEAR

Whitepaper –

Block Explorer – Link

Source Code

GitHub = ✔ Available – View Code

Marketing

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Marketing Effectivesness

This score assesses the impact of detected marketing activity and the corresponding price movement of a token. The score understands whole market movements to ensure tokens are assessed fairly against peers.

Marketing Effectivesness

13/100
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Confidence Index

This index determines our confidence in the score we have given. Generally, as more data is collected, the confidence index will increase. If a project has lots of activity, this confidence is earned faster.

Confidence Index

Medium
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VaaSBlock Rank

This identifies where a project sits compared to all projects accessed for Marketing Effectiveness.

VaaSBlock Rank

REF Finance vs All Listed Organizations

LOWER 20%percentile

No Chain No Gain™ Podcast ⛉

This Organization is yet to join the No Chain No Gain™ Podcast and share insights on what makes their business trustable and innovative.

💡 NCNG generated over 1 Million impressions in its first six months of existence.

Become a Guest on NCNG™

Recent Media Effectiveness

 Alpha
StatusPublicationEst. TrafficEst. Value
Organicthebigwhale < No Traffic Detected Views ~ No Value Detected
Organicsg.finance.yahoo < 11 Views ~ US$0.05
Organicsg.finance.yahoo < No Traffic Detected Views ~ No Value Detected
Organicmessari < No Traffic Detected Views ~ No Value Detected

Background

Organization Name – REF Finance

Category – Banking & DeFiBanking & DeFi

About

powered by irmaAI

Launched on January 25, 2021, REF Finance is a decentralized finance (DeFi) platform built on the NEAR Protocol. As a foundational layer for DeFi within the NEAR ecosystem, REF Finance offers key serv… Read More

DeFi
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    Creation Date

    July 2025

    Headquarters

    –

    Organization Maturity Level

    Growing Business

    RMA™ Type

    None

    Notable Achievements

    2021

    Launch and Development

    2021

    DAO Formation

    2024

    Partnerships and Ecosystem Expansion

    Core Team

    Youbing ZHU

    Youbing ZHU

    Co-Founder

    Aescobar Mike

    Aescobar Mike

    BD

    Verify my Organization
    1. vaasblock.com
      2. /
    2. Banking & DeFi
      3. /
    3. REF Finance

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